Services

Everyday Spend Card

The Everyday Spend Prepaid card works just like a traditional debit card, but with more security because the card is not directly linked to your checking or savings account.

The funds must be pre-loaded in order to spend, which is a security advantage over a traditional debit card.

  • Safer than cash
  • Accepted everwhere you see a VISA logo
  • Multiple card designs to choose from
  • Convenient CUMoney mobile app to access & manage your card and see your account balance from anywhere, 24/7

PLEASE NOTE: The purchase of a new Everyday Spend card is not available online. Please contact us to open a new card.

View Everyday Spend Card Informational PDF

Guaranteed Auto Protecton (GAP)

Protect yourself in the event of your vehicle being involved in a total loss situation due to an accident or theft!
GAP pays the difference between what you owe and what your insurance company will pay, so this coverage protects you in case you are caught in a "financial GAP"

View PDF for more detailed information

Auto Deductible Reimbursement (ADR)

This benefit is an additional rider included with the GAP coverage.
ADR pays up to $500 per loss (UNLIMITED losses per year) when a loss is filed and paid by your primary automobile insurer.
This basically reimburses you of your automobile insurance deductible when you have a claim from an accident.

View PDF for more detailed information

Mechanical Breakdown Protection

Car repairs from mechanical failure can be very costly. Have a peace of mind with our Mechanical Breakdown Protection with Car Solutions.

View PDF for more detailed information on various protection plans

Skip-A-Payment

Our Skip-A-Payment program allows members to "skip" a payment on Auto/Signature/Mixed Collateral Loans.

You must make 6 consecutive payments on the loan before you can qualify and you are allowed to skip payments one time per year. This program is especially helpful around the holidays! There is a $25 fee per loan for this service.

*Please note that not all loans qualify.

Click here to apply

Sunset Country Club Corp Membership

We are proud to announce our partnership with Sunset Country Club. As a member benefit, you can now join the Sunset Country Club under our Corporate Membership Program for discounted monthly membership dues. Through the convenience of payroll deduction, we collect your dues and send them in for you each month.

Please contact our office at 229-890-6214 or email creditunion@cctfcu.net for more information.

Better than Bank Rates

Save more and spend less with CCTFCU’s market-leading interest rates on Savings & Loans.

Account Type Minimum Opening Deposit Minimum Bal to Earn APY Dividend Rate APY
Regular Share Acct $5.00 $5.00 0.10% 0.10%
$2,500 Club Acct $2,500.00 $2,500.00 0.20% 0.20%
Christmas Club Acct - - 0.25% 0.25%
Terms Dividend Rate Annual Percentage Yield
Certificate of Deposits
*Minimum Opening Deposit – $1,500
*Dividends Credited – Monthly
*Dividends Compounded – Monthly
6 month 2.00% 2.018%
12 month 3.75% 3.815%
18 month 3.25% 3.298%
24 month 3.00% 3.041%
Year Models 2024-2025 APR
48 months 6.10%
60 months 6.25%
66 months 6.50%
72 months 6.75%
84 months 7.25%
Year Models 2022-2023 APR
48 months 6.50%
60 months 6.75%
66 months 7.00%
72 months 7.25%
84 months ($25,000 minimum) 7.70%
Year Models 2020-2021 APR
48 months 7.50%
60 months 7.75%
66 months 8.00%
72 months ($20,000 minimum) 8.25%
Year Models 2018-2019 APR
36 months 7.25%
48 months 7.75%
60 months 8.25%
66 months 8.75%
Year Model 2017 APR
24 months 7.75%
36 months 8.00%
48 months 8.25%
60 months ($15,000 minimum) 8.75%
Year Models 2016 & Older APR
24 months 8.50%
30 months 8.75%
36 months 9.00%
48 months ($15,000 minimum) 9.25%

Recreational Vehicles

(i.e. Boats, Jet Skis, ATVs, Campers, Motor Homes, etc)

Term APR
48 months 8.50%
60 months 8.75%
66 months 9.00%
72 months 9.25%
84 months 9.50%
120 months 10.00%
*Can only go 120 months if over $25,000*

Motorcycles, Tractors & Lawn Mowers

Term (Months) APR
36 months 8.25%
48 months 8.50%
60 months 8.75%
66 months 9.00%
72 months 9.25%